With the rising accident rate, China Merchants Bank has frequently introduced its own accident insurance to help people resist a series of impacts caused by unexpected risks. In modern society, the pressure of work is great, and many people go out to travel to relieve their pressure and relax. However, accidents such as tourist bus accidents, drowning and disappearance are everywhere, so everyone should form the awareness of buying China Merchants Bank accident insurance and prepare an appropriate accident insurance for themselves and their families, so that they can get timely assistance in case of accidents. What are the accident insurances with accidental medical treatment? Which one has more protection? Which one is more worth buying? Let's take a look at some good accident insurance recommendations. Top 2 quality accident insurance in 22!
How much do you know about the exemption scope of China Merchants Bank's credit card accident insurance?
Accident insurance seems simple, but the specific claims should be fully understood in advance. Sometimes people feel helpless when they refuse to pay compensation, but this does not mean that insurance companies deliberately shirk their claims. The accident insurance of China Merchants Bank also has its coverage. I have compiled the following major "accidents" that do not claim compensation. How much do you know? Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! Top ten insurance companies in China rank
1. Death from heatstroke
Heatstroke is a disease, which is related to the physical function and physical quality of patients. Heatstroke is not caused by external factors, but by internal factors. At the same time, heatstroke is avoidable, predictable and not sudden to some extent. Therefore, heatstroke does not meet the definition of accidental injury and is not accidental injury.
2. Pregnancy accident
Due to the increased risk of the insured during pregnancy, most accident insurance products list "the insured's pregnancy, abortion and delivery" as an exemption clause.
3. Disability below Grade 8
At present, the accident insurance clauses of insurance companies take the Table of Personal Insurance Disability and Insurance Payment Proportion of China People's Bank in 1998 as the basic payment standard (except for burns and burns), which is divided into seven disability grades (the heaviest one) ***34 categories. The Ministry of Public Security's "Traffic Disability Grade Appraisal Standard" is divided into 1 grades (the heaviest one) and 342 categories, which is much more detailed. This means that people with disabilities below Grade 8 will be denied compensation.
4. Sudden death from overwork
Sudden death from overwork is caused by long-term chronic fatigue. Most of the parties themselves suffer from other diseases, but they are exhausted because they don't know it or care, which eventually leads to illness and death. Although the sudden death from overwork makes people feel very surprised, accident insurance is not compensated because it is not caused by unexpected accidents from outside.
5. Falling down and dying
It is usually difficult for ordinary consumers to understand this. But from another angle, if a healthy person falls, it may be a fracture or some minor scratches. What really caused the death of the insured in this accident was his own illness, and slipping was only an inducement, not a decisive role.
6. Surgical accident
The insured himself and his relatives have already known the possible risks of surgery in advance. Although there was an accident during the operation, it was not an accidental injury. Therefore, it is reasonable for insurance companies not to pay claims.
7. Individual food poisoning
Food poisoning conforms to the three elements of unintentional, foreign and unexpected events, and belongs to an accident. However, food poisoning caused by bacterial infection may also be caused by gastrointestinal diseases caused by personal physical relationship. Under normal circumstances, if three or more people collectively have symptoms of food poisoning, it can be regarded as an accident, while individual food poisoning will be regarded as a case, and accident insurance will not pay for it.
8. Altitude sickness
Altitude hypoxia is predictable and does not meet the definition of "sudden and unpredictable" in accident insurance.
9. Death from diving adventure
Many accident insurance clauses list the insured's high-risk activities such as diving, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunts, horse racing and racing as exemption clauses, so the death from climbing is not compensated.
to sum up, I would like to remind you that you should be cautious when buying accident insurance, not only according to your actual situation, but also to see clearly the scope of exemption.
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Do you really know the accident insurance thoroughly?
Risks are everywhere, so it is also important to buy insurance for yourself. After all, life still needs to go on, and we need to have the spirit of nip in the bud, so that we can be more colorful in our later life. For accidental injury insurance, everyone should get a deeper understanding from things close to life. To know more about accidental injury insurance, let's start with accidental injury insurance cases.